It can account for introductory APRs, varying interest rates, split interest rates and external payments. You can generate graphs and charts, implement nine pay-off strategies or generate payment schedules based on the amount of money you can spend or the desired duration you want to pay the debt off within. It includes an amortization calculator for both American and Canadian methods and can export schedules to XML, CSV and tab delimited files. This program is written in 100 percent Java and will run under Windows, Macintosh, Linux and other UNIX operating systems.